ROAR Opinion Summaries

Insights and newsletters from across the industry

HIGHLIGHTS ¦ DEMSA Newsletter

What you need to know this week Citizens Advice and IPPR propose bill support reforms saving £950 annually.Regulators and utilities coordinate social tariffs, PSR use and income optimisation.Q3 2025 mortgage lending rose 48%, yet affordability remains highly stretched.FCA PS25/11 simplifies mortgage rules and opens wider future-market consultation.Bank of England and StepChange report weaker mortgage and credit growth.StepChange finds 27% struggling with Christmas costs, increasing reliance on credit.The Insolvency Service appoints Duncan Beach CEO, influencing Personal Insolvency Reform.UK Finance highlights rising… Read more

KEY THEMES+ ¦ DEMSA Summary

What you need to know this week Citizens Advice, IPPR and Policy in Practice set out reforms to targeted bill support and social tariffs that could save struggling households up to £950 a year across energy, water, broadband and motor insurance.Regulators, utilities and advice providers are converging on accelerated enrolment to social tariffs and Priority Service Registers, with data sharing, Ability to Pay, Vulnerability Management and Income Optimisation central to strategies going into 2026, including the Ofgem Debt Relief Scheme.Mortgage… Read more

HIGHLIGHTS ¦ DEMSA Newsletter

What you need to know this week Income tax thresholds frozen until 2031, pulling 1.7m additional taxpayers into higher bands by 2029/30.Unemployment rises to 5.0%, the highest in four years, indicating labour market weakening.UK household debt reaches £1.93tn, up £55.5bn year-on-year.FCA expands its pre-application support and begins digitising core authorisation forms.FOS proposes increased fees and levies for 2026/27 and expects 188,000 new complaints.StepChange reports 14,050 clients completing debt advice in October, with 87% starting digitally.Ofgem consults on Debt Relief Scheme… Read more

KEY THEMES+ ¦ DEMSA Summary

What you need to know this week Income tax thresholds frozen until 2031, pulling 1.7m additional taxpayers into higher bands by 2029/30.Unemployment rises to 5.0%, the highest in four years, indicating labour market weakening.UK household debt reaches £1.93tn, up £55.5bn year-on-year.FCA expands its pre-application support and begins digitising core authorisation forms.FOS proposes increased fees and levies for 2026/27 and expects 188,000 new complaints.StepChange reports 14,050 clients completing debt advice in October, with 87% starting digitally.Ofgem consults on Debt Relief Scheme… Read more

HIGHLIGHTS ¦ DEMSA Newsletter

What you need to know this week Public sentiment ahead of the Autumn Budget remains negative, with 79% believing the UK economy is in a bad state and 77% rating government performance poorly.UK inflation fell to 3.6% in October 2025, with food prices rising again.Companies House reforms introduce significant new compliance requirements from 18 November 2025.MaPS warns that nearly one in three adults would be uncomfortable telling friends they have been scammed.Ofgem announces a 0.2% rise in the energy price… Read more

KEY THEMES+ ¦ DEMSA Summary

What you need to know this week Public sentiment ahead of the Autumn Budget remains negative, with 79% believing the UK economy is in a bad state and 77% rating government performance poorly.UK inflation fell to 3.6% in October 2025, with food prices rising again.Companies House reforms introduce significant new compliance requirements from 18 November 2025.MaPS warns that nearly one in three adults would be uncomfortable telling friends they have been scammed.Ofgem announces a 0.2% rise in the energy price… Read more